ʻO kāu uku'ai'ē kekahi o nā mea nui loa o kāu ola kālā. Hiki i nā 'Banke e hoʻohana i ka hoʻoholoʻana inā hāʻawi iāʻoe i ka hōʻai'ē hōʻai'ē a i'ē. Ke hoʻohana nei kekahi poʻe lawelawe iā ia no ka hoʻoholoʻana inā ponoʻoe e uku i kahiʻauhau palekana. Kūkulu nā meaʻinikua mālama kālā i kāu score score ma ka hoʻonohonohoʻana i kāu hōʻai'ē hoʻokele. ʻOiai he mea nui eʻike i nā mea e kōkua iāʻoe e kūkulu i ka heluʻai maikaʻi maikaʻi , ponoʻoe eʻike i nā hana i hōʻeha i kāu heluʻai. Eia 15 mau mea.
01 Hoʻoponopono Late
02ʻAʻole e ukuʻia ma nāʻaoʻao a pau
ʻO ka palekana loa i kāu mau kāleka kālekaʻoi aku ka maikaʻi ma mua o ka ukuʻana i ka hopena. I kēlā mahina kēia mahina e hala anaʻoe i ka uku kāleka hōʻai'ē, aia hoʻokahi mahina e kokoke ana i ka hemoʻana o ka helu.
03 Ke loaʻa o kahi hōʻai'ē hōʻai'ē
Ke manaʻo nei nā mea'ai'ēʻaʻoleʻoe e uku i kāu mau kāleka kāleka kāleka, ke kāpae nei lākou i kāu moʻokāki. ʻO kēia kūlana pūnaewele kekahi o nā meaʻino loa no kāu helu'ai'ē.
04 Aia kekahi Loaʻa i hoʻounaʻia i nā Hōʻiliʻili
Hiki i nāʻike kālā ke hoʻohana pinepine i nāʻauhau hōʻai'ēʻekolu e ho'āʻo e hōʻiliʻili i ka uku mai iāʻoe. Hiki i nāʻike ke hoʻouna i kāuʻike i nā hōʻiliʻili ma mua a ma hope paha o ka hoʻounaʻana. Hiki i kahi koina waihona e hōʻike ana ua haʻalele ka mea nāna i hōʻoia e ho'āʻo e uku i kāu uku a hoʻolimalima i kekahi mea'ē aʻe e hana.
05 Haʻaleleʻana i kahi Loan
ʻO nā lapaʻau kālā kālā e like me nā kāleka kāleka hōʻai'ē . Hōʻikeʻia kahiʻikeʻole āu i hoʻokōʻole i kāu hopena o kaʻaelike aie.
06 Pūnaewele Bankruptcy
E hoʻopau ka Bankruptcy i kāu helu'ai'ē. He mea maikaʻi eʻimi i nā meaʻokoʻa, e like me ka loiloi kālā hōʻai'ē , ma mua o ka waihoʻana i ka banekorupa .
07 I kou home i weheʻia
Loaʻa ka loaʻaʻana ma kāuʻaoʻao i kāu ukana moraki e alakaʻi i kāu mea nāna e hoʻolimalima e hele aku ma kou home. Ma ka hopena, e hōʻeha ana kāu uku i kāu'ai'ē'ai'ē aʻoi aku ka paʻakikī e hōʻoiaʻia no nā loans.
08 E Hoʻoponopono i kahi Hoʻokolokolo
Ke hōʻike nei ka hoʻopiʻi e hōʻole waleʻoe i kāu mau pili, pono e komo ka pā hale e uku iāʻoe. ʻOiai lākou i hōʻino i kāu heluʻai uku,ʻoi aku ka maikaʻi o ka hoʻopaʻi ma mua o ka mea i ukuʻoleʻia.
09ʻO nā Balances Kāleka Kiʻekiʻe Loa
ʻO ka hapa nuiʻelua o kāu heluʻai'ai'ē,ʻo ia keʻano o ka'ai'ē, i anaʻia ma ka hoʻohanaʻana i ka hōʻai'ē . Loaʻa i kāu kaulike kāleka kāleka kiʻekiʻe (e pili ana i kāu palena kālā ) hoʻonui i kāu hōʻai'ē lilo a ho'ēmi i kāu helu'ai'ē.
10 Kelepona Kālepaʻo Maxed
ʻO Maxed ma waho o nā palena kāleka kālepa nui e hana i kāu hoʻohana hoʻohana 100%. He mea kūpono kēia no kāu helu'ai'ē.
11 Kāleka KālekaʻIke i Loaʻa i nā Balances
Ke hoʻopauʻoe i kahi kāleka kāleka e mau ana ka palekana, e hāʻule ana kāu palena aie i $ 0 i ka manawa e koe ana kāu koena. ʻO kēia ka mea e like me kāu i hoʻopiha ai i kāu kāleka kāleka, e hāʻule ana kāu helu.
12 Ka Paʻaʻana i nā Palapala Kāleke Kiʻi
ʻO kekahi mahele o kāu helu'ai'ē, 15%,ʻo ka lōʻihi o kāu moʻomanaʻo kālā -ʻoi aku ka maikaʻi o nā moʻolelo hoʻomanaʻo. ʻO ka paʻaʻana o nā kāleka kāleka kahiko, i ka nui o kāu kāleka mua, keʻano o ka loiloi hōʻailona eʻoi aku ka pokole.
13 Nā Kīka Kope me kahi Loaʻa Loaʻa
Inā loaʻa iāʻoe kekahi mau kāleka kāleka,ʻo kekahi me nā kaulike a me kekahi ma waho, e pani i kēlā mau kāleka kālekaʻole me nā mea kaulike e hoʻonui i kāu hoʻohana kālā.
14 E noi ana no nā KālāʻIke Kālā aiʻole Lālā
ʻIke nāʻike noi kālā no 10% o kāu helu'ai'ē. ʻO ka hanaʻana i nā noi loiloi a hōʻai'ē paha i loko o kahi manawa pōkole e hoʻohāʻule i kāu helu'ai'ē. E mālama i nā noi i ka liʻiliʻi.
15 Loaʻa wale nō nā kāleka kālā a iʻole nā loans wale nō
ʻO ka hui kālā he 10% o kāu hōʻai'ē. Inā loaʻa iāʻoe hoʻokahi wale nō pēke kālā kāleka, inā he laʻana a kāleka kāleka paha, hiki ke hoʻopiliʻia kāu score score. ʻO kēia helu nui ke komo i loko o ka pāʻani ināʻaʻoleʻoe i nui nāʻike kālā'ē aʻe i kāu moʻolelo moʻomanaʻo .